However, we have overlooked outsourcing many jobs by default.
We cannot compete with China.
However, we can help our local Manufacturers by :-
We consider all the wealth below ground belong to people of that Country. All the Oil sucked out, All the Gas pumped out and all the Minerals dug out must be made available to Local Manufacturers at cost plus reasonable profit to the Mining Companies.
The Mining Companies can sell to world market at the world market prices.
This is the only way we can compete against the cheaper imports.
]]>I have two actions on forgiving.
- If it is my fault I will ask forgiveness until other person forgives. If the other person lost materially I will restore them.
- If it is other person’s fault I follow 3F method.
Forgive.
Forget
Flee (Move on).
This is difficult to follow. As we work towards changing the world, we must take the first steps in Forgiving and Forgetting.
Many of the sicknesses in body and mind are directly related to evil emotions like anger, hatred, malice, bitterness, resentment, unforgiving spirit and so on.
The first benefit of forgiving is that there is a drop in heavy load in the mind. You have peace and the mind is ready to work better for your success.
]]>Yes we do, too.
But that has been our work for a long years - Developing more ideas.
Now we want the world to benefit and through that change the world.
We come straight to the point.
- There are many thousands of indigenous/natives/aborigines/minorities are dying. Some naturally but others forced amalgamation into mainstream. This is not acceptable. We have Reserves for Rhinos, Parks for Parrots and Australia is ready to go to war over whales. We have RSPCA, we have laws protecting wild life, forests. But when it comes to Indigenous/Natives/Aborigines/Minorities we are ready to Kill, Eliminate and Terminate them. I do not understand. Solution, to give Homeland for Indigenous/Natives/Aborigines/Minorities within the main Countries so that they can develop their culture and languages. Their laws may be developed by a UN sponsored minority FORUM. For more ideas on this please email me.
- Redefining Democracy – Rights, Security, Prosperity and Welfare of the individual and family as a unit, are paramount, who go to vote. Democratic Rights are NOT for the elected government when they do evil in the NAME OF DEMOCRACY. Any Elected Government, Before passing a law we must Ask the Right Question - Whom does this law serve? Will this law benefits the Individual/Family or will it make another Billionaire or support vested interest groups?
- This brings to the subject Human Rights. Human rights applies to individuals and when it is violated to thousands and millions of peoples. All ruling Governments are responsible for an Individual and that Individual’s Human Rights. If there is suspicion (not evidence) of Government sponsored Human Rights Violation the Leader of the Government should be charged for War Crimes. The Leader has to prove his/her innocence of the crime. Many individuals are threatened with violence or them and for their families if they report torture or murder. In a Country the tortured victims are threatened not to seek medical treatment for wounds resulting from torture.
- Innovation Register: As I said earlier every body has ideas. Why do not they come to market? Because of hassles in developing, patenting and paying for patenting lawyers and other time and costs involved. An average man has no time nor funds for these. Solution An International Innovation Register. In this Internet age anyone can go and register their ideas. Actual benefits is these ideas do not die; They get noticed and any one can develop them; Giving the person who registered this idea some royalties.
- Oil, Gas, Minerals and Natural Resources. Please see my other post titles “FREE Trade and Wealth of Nations”. In summary whoever may hold lease on these Natural Resources may sell outside the Country at International price. BUT they will sell to the citizens of the Country at the cost of production plus a reasonable profit. They should not sell at world market price to the owners of these Natural Resources - The People of the Land.
-
Managing economy by interest rate is old, crude and bad for the economy. It could be managed by a percentage levy on income/ salaries and wages above a minimum threshold for employed from low wages to $30 million a year and on gross income on Companies which should not be passed on to customers
2 Prices go up
3 Adds to inflation
4 when Interest Rate comes down Prices DO NOT COME DOWN
5 Savings earn interest
6 $ exchange affected imp/exp affected
For % levy
- Affects all wage earners
- Prices do not go up
- Inflation is not affected
- Prices do not change
- Savings are not affected
- $ not affected and so not imp/exp
7. Foreign Aid
We have seen many decades of Foreign Aid to the Poor Countries. We have not seen much development resulted because of these Foreign Aid but rather have seen the donors getting richer. We do not wish to go into politics of that.
There is a better way to utilize these Foreign Aid which benefits both the donor and the recipient.
If the Donor Country uses this Aid to supply any goods or services from the Country then it is good to follow these steps:
- Identify a suitable Company in the Recipient Country which could import these Goods and Services. There may many involved. If there is no company then use any existing Company to involve in the importation.
- Use funds from this Aid to finance the import from the donor Country.
By this method same aid creates employment and many source of genuine tax, fees and charges to the recipient Country.
8. It is well known that many corrupt politicians horde their wealth in foreign Countries. All the major Intelligent Organizations know about these. They must inform to UN and all NGOs about these corruptions.
]]>Question Everything. To help you understand I give you below questions that you can ask yourself.
What am I doing now?
What am I supposed to do now?
How can I do it better?
Is there a better way to study?
Am I organized?
What are my goals?
Do I have a plan?
What is my saving habits?
How can I improve my habits?
There are questions you can ask on all subjects to change this world.
- Develop good products
- Innovate new processes
- Write new books
- Compose good music
- Develop better relationship
- Form a club for your children to have good clean friends.
- Form an investment club
- Form a charity
- Become a volunteer
- Make your work place a better place
- Good neighbourhood
- Good family
- Raising good children
I will add more and write more on this
HOME SECURITY
- Fit security deadlocks on all exterior doors, and a security door if possible. Deadlock keys hanging from door defeat the lock’s purpose.
- Do not leave spare keys in obvious places, eg under doormats or in the meter boxes.
- Lock your windows so burglars/thieves cannot get inside undetected.
- Overflowing mail boxes attract burglars. Arrange for a neighbour to collect your mail, or ask the Post Office to hold them if you are planning a holiday or will be away for a long period.
- Bushy front gardens and high fences provide great privacy, but give intruders perfect cover and more time to break-in. If possible, cut back bushes and tress and make your home more visible.
- Burglars can get into your house through the roof. Attach hinges and a sliding bolt to the manhole.
- Lock away ladders or tools that could be used to break into your home.
- Is your street number easy to see from the street? Numbers made of reflective material make your house easier to find at night if there is an emergency.
- Uncollected parcels on your front doorstep can be a sign you are not home. Ask a neighbour to collect them or make changes to delivery times.
- Is your pet door large enough for a small person to enter the house? It could be an opening for burglars.
- Advertising your address, fir example, in a funeral or wedding notice in newspaper, tells a potential intruder you aren’t at home. Arrange for a house-sitter, or neighbour to keep an eye on the property.
- Leave a light, radio or TV on when you go out - it makes it look like you’re home when you’re not.
- 1. Keyed window locks - the majority of homes still don’t have them, but two out of three burglars enter through windows. Locks are inexpensive and made to fit all types of windows.
- 2. Door locks - security doors are a must for all exterior doors as well as security deadlocks. Deadlocks can be set so they can only be opened or closed from both sides with a key.
- Special locks for patio doors are also available. Check door hinges too - security fit hinge bolts reinforce the hinge side of a door against the use of force. there are locks to suit all needs and these should frustrate the most persistent intruder.
- Contact a member of the Master locksmiths’ Association for advice on whether an automatic deadlock or mortice deadlock best suits your needs.
- 3. Keys - in case of fire or other emergency keep your keys where you can get them quickly. All household members should be aware of this spot.
- Think carefully about where your keys are before you deadlock doors while you are inside otherwise you might find that you cannot leave the house in a hurry. Never mark your keys your address as this makes it easy for a thieve to use them if you lose them. Consider using one of the key tag services that will return lost keys.
OTHER SECURITY DEVICES
- The yellow pages and other directories list firms that will fit burglar alarms, light switch timers, safes, bars, grilles and smash-proof window film.
- Weigh up the cost and benefits of these devices - turning your home into a fortress is not generally necessary to prevent crime. If you do fit other security devices, use a reputable firm.
IDENTIFYING YOUR PROPERTY
It is a good idea to photograph items of particular value to you. If you place these beside a matchbox or a ruler this provides a good idea of size. I f you do not have a photographic record of values then make sure you write down a description of the valuable item, and if possible also prepare a drawing. A list to help you mark your property is included in this booklet.
PROPERTY MARKING
- Marked property is less attractive to burglars, and police can return it to owners if it’s recovered. The best identification to use is your driver’s licence number preceded by the initial of your State(eg “V” 1616087). This is recognised Australia wide.
- Marking pens or engravers should be used. Your local police station can give you the name of your nearest neighbourhood Watch Co-ordinator who will be able to lend you marking pens and engravers.
- Mark as many valuable items as you can, such as the washing machine, clothes drier, Consider, VCR,stereo equipment, Cd player, paintings and rugs.
- To complete the job, put a sticker on your window to let thieves know what you have done. Stickers are available through your local Neighbourhood Watch, you can make your own stickers - or some service clubs such as the Lions may be able to assist.
‘LOOK -LOCK -LEAVE’
Most car thieves aren’t that smart - if they can’t open the car and remove what they want in a few seconds they won’t bother.
Before you leave your car, remember
- Look around at where you park, and in your car for valuables.
- Lock available away either in the glove box or boot.
- Leave your car locked and wind up all windows. Even the smallest gap can enable the windows to be forced.
OTHER VALUABLE TIPS -
- Don’t think your car will never be stolen. Protect it.
- Steering locks, alarms and immobilisers are very good value. Always engage them before you leave the car.
- A lockable fuel cap is also a good idea, as this will prevent your petrol being stolen and force joyriders to abandon your car when petrol runs out.
- don’t hide spare keys anywhere, inside or outside the car.
- Where possible move parcels, luggage or your brief case to the boot before it is parked.
- Keep a record of the serial number of your car keys and accessaries.
- Never leave your car keys in the ignition when you are away from the car.
- Keep your garage locked. Many cars are stolen from garages and driveways, both day and night.
- Park well away from isolated or dark areas - especially at night.
BICYCLES
Don’t let your bike be one of the thousands stolen each year in Victoria.
You can safeguard your bicycle by-
- Photographing it, making it easy identified if the stolen item is recovered.
- Purchasing a quality bike lock that loops around the frame and wheel, and cannot be easily cut with bolt cutters.
- Locking it to an immovable post or rail.
- Engraving it, using an identification number, or driver’s licence number. Some Neighbourhood Watch Groups organise community “ Engraving ” activities.
- Check whether your insurance covers theft of a bicycle.
- Report theft to police.
OTHER VALUABLES
- Passports and personal papers
- Keep these in a safe place at home. A floor or wall safe is the best, but a locked filing cabinet or obscure corner can also be suitable. Tell only a trusted friend or relative where these papers are located.
- Keep a separate list of your possessions. To help you start, a valuable property record is provided as a tearsheet in the centre of this booklet.
Cash and credit cards
- Never make a display of your cash or credit cards.
- If you are drawing money from an automatic teller machine make sure no-one can see punch in your pin number. Be careful while you are preoccupied at the machine as someone can come up behind you.
- Keep a record of card numbers so if your credit card s are stolen you can provide the numbers when reporting a loss to your bank. A theft should be reported immediately so any transactions can be stopped. It is a good idea to have a quickly accessible record of your bank and credit card company phone numbers. Try to memorise your pin number, but if you can’t, keep it separate from the card.
Hand bags and wallets
- Handbags particularly can be a target for thieves and should be held securely and kept closed. it is not wise to put a hand bag down on a counter or on the floor in a public place: keep it front or beside you with your hand looped around the handle or strap. Be careful in the street, as it is easy for someone to snatch your bag before you are really aware of what has happened.
- At work, never leave your wallets, bags or other valuables lying about. Lock such items in a draw or cabinet. Your workmates could be unfairly under suspicion if anything goes missing.
PERSONAL SAFETY
Simple precautions in the home and in public places can help you side-step danger and stay safe. Less than 2% of major crime in Victoria involves violence. You can avoid danger if you stay aware and try to think clearly about the best way to handle the situation.
SOME USEFUL TIPS
When you are at home
- If a caller/stranger asks to use your phone, direct them to the nearest public one, or make the call for them, keeping them on the outside of the security door.
- Close curtains as soon as indoor lights are turned on.
- Even in the day time make sure doors and windows are secure.
USING YOUR TELEPHONE
- Don’t give your telephone number or reveal any information about yourself to unknown people.
- Don’t let strangers know you are home by yourself or when you will be away from the house.
- If you receive an obscene or abusive telephone call don’t try to talk to the caller - hang up or you could blow a whistle into the phone. If the calls persist, keep a record of the times and then contact Telecom.
WHEN ANSWERING THE DOOR
- Don’t let strangers into your home before you are very sure who they are - ask for identification. If you are still not satisfied, ring the organisation the say they are representing before allowing them into your home.
- Be very cautious of a tradesperson at the door who tries to tell you house needs repairs. Seek the advice of a serviceman known to you or one who is recommended.
- Make sure you have a chain fitted and a door viewer. These help you to speak to strangers without letting them in. Once you have a chain fitted - make sure you use it.
- Fitting a security door is a good idea. Talk to unknown visitors through the security door, and remember not to leave they key on the outside of the door.
INTRUDERS IN YOUR HOME
If you arrive home and suspect an intruder is in the house:
- Do not enter the house, go elsewhere and telephone the police on 11444 .
- Keep out of sight and a safe distance from the house. If you see an intruder leaving, jot down or memorise a description of him \ her, a vehicle and number plate.
PLAN AHEAD WHAT YOU WOULD DO IF YOU SUSPECTED AN INTRUDER WAS INSIDE THE HOME WITH YOU.
THIS COULD INVOLVE -
- Getting to a phone if possible, and quietly ringing the police.
- Switching on lights and making plenty of noise. Many intruders will leave rather than face a confrontation.
- If the intruder confronts you, stay calm - shout and scream if you think the noise may alert someone.
only you can decide if you are able to fight or not.
OUT AND ABOUT
MAXIMISE YOUR PERSONAL SAFETY WITH THESE USEFUL TIPS
- Walk only on busy or well lit streets even if it makes the trip a little longer. Avoid shortcuts through dark alleys, across waste ground or isolated areas.
- Don’t hitchhike, and don’t accept lifts from any you’re not completely sure of.
- Walk face the traffic and on the left side of the footpath.
- If you are going to be out late, arrange for a lift or book a taxi in advance.
- try to avoid isolated transport stops, and sit near other passengers when using public transport.
- When using a public telephone, stand up with your back to the phone so you can see around you.
- When returning to your home or car, have your keys ready.
- When you return to your car in a parking area, check nobody is hiding in, or around the car.
- Keep your cars doors locked while driving.
- In shopping centres keep your handbag or wallet closed and secure. Do not leave it unattached (eg in a shopping trolley). The chances are it will not be there when you return!
PUBLIC TRANSPORT
- Avoid travelling alone at night.
- If you must, always travel near the guard, conductor or driver and arrange to be met at your destination.
- Report any strange people who talk to you or follow you.
- If you feel threatened on public transport, move closer to others or alight immediately. The public transport corporation transit patrols are regularly supervising the system.
- Phone 11444 to report any suspicious activity.
YOUR FAMILY’S SECURITY
Teaching children about personal safety is a key part of the innovative protective behaviours program, initiated by the Victoria police. Designed to teach children practical steps to keep safer, this program may be operating in your local area.
YOUNG CHILDREN
When talking to children about their security, remember to mention the following important points.
- Tell children not to talk to strangers, and never go with anyone stranger or friend without your permission. Ask them to tell you if anyone they think is strange attempts to approach them, or their playmates, when you are not close by.
- Arrange for baby sitters when you go out. It is most. Unwise to leave children of any age alone in the house with out an adult, and when choosing a baby sitter, try to use a trusted friend or a reputable agency which is happy to supply relevant references.
- Assure your children that no matter what happens, they can tell you about any unusual or threatening incident.
- Encourage them to discuss with you any fears or anxieties.
- As soon as possible, show children how to make an emergency telephone call. teach them to remember their home phone number, their full name and their street and suburb.
- Know how long it takes your child to get to and from school. Check and delayed arrival time.
- Show your child how to follow the safest route to and from school.
- Visit your child’s school, get to know the teacher and you may learn of any problem before it comes serious. Teachers welcome parents’ interest.
- Get to know your children’s playmates and their parents, where your children congregate with their friend’s and where other children live.
- If children return home to an empty house, arrange to phone them at a set time to check they are safe.
- Make arrangements so friends or family can be contacted by the children if there is an emergency.
OLDER CHILDREN
- Make sure you know where your children are and how to contact them
- Tell them not to accept lifts from people unless prearranged.
- If teenagers want to go out for the evening or stay overnight with a friend, check with the other parents whether an overnight stay is in order. If possible, take them to their destination, and collect them. If not possible, check they have arrived safely.
TIPS FOR OLDER PEOPLE
Despite graphic media coverage of crimes against the elderly, people over 65 are the least likely to become victims of crime. The following advice is handy for everyone, but may be particularly helpful for older people to feel secure and confident.
- Don’t isolate yourself behind locked doors. Get involved with your neighbours and the local community.
- Local contact and friendships develop a sense of security, and dispel unnecessary anxiety.
- Criminals are less likely to see you as a target if you are careful and alert and living confidently in the community.
Some extra tips for older people…
- Seriously consider the information about deadlocks and home security on pages 7-10.
- Don’t hide spare keys in obvious places.
Phone call..
- If a caller in unknown to you, don’t give personal information over the phone, even if the caller claims they are from legitimate organisation.
- If you have any doubts, take the callers name and telephone number and call them back.
- Keep the police, emergency numbers, relatives’ and doctor’s telephone numbers listed next to the phone, or program them into the telephone’s memory.
Visitors……
-remember people from legitimate companies all carry identity cards. Telephone their company, or pretend to if you don’t have a phone, and are not sure about their identification.
WHEN YOU’RE OUT
Road safety
- Be particularly careful crossing roads, and use traffic lights and pedestrian crossings where possible.
- Never cross a road from between parked cars. Oncoming vehicles often can’t see you.
- Look carefully at oncoming traffic. Judge the speed of approaching cars can get harder as you get older.
LEGAL MATTERS
- Before signing any legal documents, read them carefully and have them checked by a trusted family member, solicitor, or legal aid officer.
- Keep all legal documents such as your will, insurance policies and share certificates together in a safe place at home, or preferably at your solicitor’s office or bank.
- Refuse to sign any paper if you feel you are being pressured into signing before you have had time to think about it.
- Check with a friend, solicitor or police officer if you are in doubt.
CON SCHEMES BE CAUTIOUS
- Keep informed about the latest con schemes in your community by reading the newspaper and listening to friends. Be cautious about schemes that sound too good to be true or have to be kept secret.
BE ESPECIALLY WARY OF:
- “ Good deals ” on home repair and improvement jobs.
- “ Get rich quick ” schemes which involve giving someone money before the scheme is revealed or completed.
- If you are anxious or worried about a possible fraud, contact the police.
- Become involved in your Neighbourhood Watch group if you live in a “ Watch ” area. Through these meetings you will get to know the local residents. Your Zone Leader will be able to discuss the issues important to the security and harmony of your home and your neighbourhood.
- Neighbourhood Watch Co - ordinating Office Number is (03) 329 2044.
- Check with your local council Community Services Officer for activities and support groups working in your area.
- If you need more information or advice, contact the Victoria,Australia Police Crime Prevention Bureau on telephone (03) 9865 2384.
SHOPPING
- If you carry a handbag don’t dangle it; hold it close to your body. If you use a wallet, put it inside a jacket or in your front pocket. Try not to carry more money in your purse than you need.
- If you feel you are being followed, turn to see if someone is there, instead of being caught of guard. Enter a shop or building where there are people if you think you are being followed.
- If a friend or a taxi takes you home, ask them to wait until you are safely inside.
- Have your car or house key in your hand as you approach your car or home.
IN YOUR NEIGHBOURHOOD
- Keep a lookout for pushbike riders and skateboarders on the footpath, particularly when walking around the corners.
- Have a local contact, family or friend, who can keep an eye on you and your home. You may be able to do the same for them.
- If you are going away, make arrangements for someone to collect mail etc. and keep an eye on things.
YOUR BANKING
- Keep your savings in a bank, building society etc., or invest it. Do not keep large amounts of money at home or in your handbag or wallet.
- Put your money into your purse or wallet before moving away from the teller.
- Many banks, credit unions, building societies and investments plans specifically for older people. Find a recommended company and seek their advice.
In this time, when every body is promoting Free Trade, a question comes to mind. And this question is
Will the third world, poor, developing Countries benefit from these Free Trade Agreement?
This is an old question. Anything, any ideas originating from outside the poor Countries are and will not benefit the poor but will only enrich the already rich.
One of the important results of these Agreements is that it favors the rich countries and Hedge funds to buy into natural wealth of the poor nations.
What I am concerned about is that all those minerals and oils found under the earth of these poor nations.
The profit generated by these natural wealth will not generally go to the poor of the Developing Countries where these minerals are mined and oil is just pumped out of the ground.
To make sure the poor of these Countries are benefited, it is important that these two agreements are inserted into the sales:
- That the price of the oil, gas,coal and minerals used in the Country, where they are mined or sucked out, should be at the local cost of mining with reasonable profit at local level adding VAT.
- They can sell to the world at world market price.
What are the benefits to the Poor Country?
- Cost of input to the manufacturing is low.
- Cost of input into the economy low.
- Prices are low.
- They can compete in the world market
- Inflation is under control.
- Prosperity for the poor.
This is an important rule to be added in any negotiation by WTO and GATT.
I used to read this statement from a wall when I was small.
I never understood then
Now I know.
This world could be changed overnight if everyone saves 10% of the income, salary or wages.
It is easier to live with the balance after you compulsorily save by a salary deduction and send it to a bank account.
There will be enough money supply and Banks will have keep the interest low which will result in many economic benefits to the families and the Country.
Saving money saves a Country.
When I was young I used to see a slogan written on the wall of a Government Building. It goes like this.
The Will To Save is The Road To Prosperity.
How true! I never understood what that meant until later in my young life.
Until we are able to make truck loads of money, we must learn the habit of saving.
We can boldly say that it is possible to save $25 to $100 per month in a family of four if you apply these tips faithfully .
We give these ideas for you save, pay off your credit card loans and home loans faster or invest and enjoy life
Again we say that all tips are given in good faith. Please check with others if you are in doubt. We will not be liable for any use or misuse directly or indirectly. All we want is that you save money and repay all your loans faster and live happily ever after.
We are developing Strategies for you to pay your Loans faster.
Strategy No 1: Save, Save, Save. This is the only way for a wage earner to add extra payments to repay loan faster. If you pay extra $50 on a $250,000 loan taken for 25 years at 7%interest, you will save about $45,000
Strategy No 2: Increase your skills to earn more or get a pay rise at work.
Strategy No 3: Do a second job a few hours a week
Strategy No 4: Start a part time income earning venture.
Easiest Way to make money is to Learn to Save Money first. There are many simple and easy ways to save money. When you do all these tips they will add up to a lot of spare cash to repay loans, credit cards and enjoy life too,
If you look after the cents, dollar will look after itself.
A penny saved is a penny earned.
There is always a beginning. Beginning any thing is almost half done. Beginning to save will lead to prosperity.
BUDGETING
On the top of the list is BUDGETING. This is done first by writing the list of all income and expenditures for a few months and focus on reducing unwanted expenditure.
If you do not have a book to write, take any paper and write and tomorrow you can look for a notebook to buy. Or why not save money by using use backspace of unwanted mail or any old diary, school exercise book and write on them. Just make sure you write the date on each loose paper!
Start BUDGETING now.
Now for SAVING money.
As you will notice saving on energy, water surprisingly you help Save the Environment, too. Hence we have identified each savings under saving Energy, N for environment, W for Water and M for Money
Legend - Eà Saves on Energy, N àSaves on Environment, too, W à Saves Water, M à Save money
- Budget you income and stop all wastes. M
- Budget your shopping and save on impulse buying. M
- Switch off all unwanted lights. ENM
- Buy Energy Saving Bulbs. They are so cheap now and save huge on bills. ENM
- Buy energy efficiency rated white goods and save on energy and environment. ENM
- Switch off fans and other unused equipments when leaving room. ENM
- OPEN All Curtains and use sunlight. ENM
- WASH clothes on cold water ONLY. ENM
- Put on more warm clothes than starting the heater. ENM
- Use the scoops to measure washing powder or liquids. The manufacturer knows the right amount for the washing. M
- DRY all clothes on Sunlight only ENM
- Buy all white goods like fridges, washing machines with low energy ratings. ENS
- CHECK AND SET Hot Water Temperature to as minimum as needed ENM
- Use shower more times than using baths and save on water, energy and environment. EWNM
- Reduce your time in shower and save water and energy. EWNM
- Stop all leaking tabs and use water wisely. EWNM
- Never use hose to wash your car. Bucket and sponge will do a better job. EWNM
- Insulate your homes well. Keeps the heat out in summer and keeps the heat inside in winter. ENS
- Keeps the windows and doors Closed while heating or cooling. Keeps the heat out in summer and keeps the heat inside in winter. Consider the air quality too. This applies especially to asthmatic persons. Open the doors and windows in the morning and in the evening to circulate fresh air before closing them. ENS
- Go to Markets and buy your vegetables and meat in bulk and save. M
- Eat at home before leaving for shopping. This will stop buying dictated by stomach and eating outside as well. M
- There are supermarkets offering lower prices always. Go to them. M
- Buy the goods that are offered as specials at supermarkets. M
- Buy generic products. They are much cheaper and are of equal quality as brand products. M
- Form a group of friends to buy bulk and save. M
- Check your local paper for specials during various Seasons. Many supermarkets also mark down goods in their bakery and meat especially closer to closing time, you’ll be more likely to snag a special. M
- Never buy expensive item on impulse. Go back home think wisely and check you income before taking hat expensive decision. M
- Do not join any get rich quick schemes if they are so good why do they not do it themselves and become rich. M
- Close all unwanted bank accounts and keep only necessary ones and save on fees and charges.
- Search and open accounts in a bank where the services are good and fees are low. M
- Limit or minimize banks transactions. Do not use over the counter transactions which are costly. M
- Destroy all credit cards. You may keep one for emergency. M
- Avoid using credit cards for cash advances. You may end up paying higher interest rates. M
- Record all family income and expenditure and monitor weekly and stop all wastes. M
- I will set aside at least 10% of my income in a separate account and save and learn to live with the rest. M
- Use this savings from item 23 are only for extremely emergency. M
- Learn the habit of buying with cash and save too. M
- Instead of going to restaurants with friends organize meals at homes and save. M
- Wherever possible use public transport and save on money and environment. ENM
- If you know someone who has to drive to work, try joining together and see if both of you can save. M
- Always take your own lunch and avoid buying lunches at work. M
- Stop smoking and save on money, health and environment and health of others too. NM
- Plan ahead for tax return so that you will get good return from tax man. Use the services of a good accountant. M
- If you plan to invest then it is good to make time to see a financial adviser. Before selecting one, please select one out of many who has a lot of clients and who has made money in the financial market. That is check his record of success before trusting him with your hard earned money. M
- Limit my intake of alcohol and save on money, health and peace of family and friends. M
- Be at peace with yourself, your family and friends and co-workers, too. Peace brings unusual health and happiness resulting in productivity and savings on medical bills. M
- I will organize my shopping and buy at bargains and save. This will minimize impulse buying and buying at higher prices at convenience store. M
- I will always go shopping with a list and avoid impulse buying. M
- Make use of regular sales and buy and save. M
- Find the factory outlets and purchase at very low prices. M
- Go to garage sales and buy only what you need at bargain prices. M
- At this point A simple rule. Spend les than you earn. M
- Buy only what you need – essential things. M
- If you use credit card, pay then in full. M
- Buy second hand books from library sales and even at garage sales for your children reading. M
- Children grow fast. Sell heir clothes and buy from others and from second hand uniform and save. M
- Please investigate with Credit Unions regarding their offer for free bill-paying services, saving on cheque charges and postage. M
- If it is suitable for your car, please convert to run for petrol and Gas. ENM
- Check and use shareholder discount from Companies where you have shares. M
- Always ask for discount at any shops. M
61. Take insurance for House, Contents, Health, Car and pet’s health, too. M
51. Never give up on finding innovative ways of saving on water, money, environment, electricity, heating and cooling.
52. Improve your work knowledge by studying after hours.
53. Consolidate all your debts and save.
- You save money. There will be plenty in your pockets.
- You will be healthy as you know healthy makes you wealthy.
- Sickness not attack you.
- You are making the old man you are going to be in good health.
- You will stop polluting the environment
- Prevents others becoming sick by passive smoking.
- You will have a healthy family.
- Your Children will not take the habit.
- They will not become criminals.
- A professor is also called a Reader.
- There is a saying that if your read 2 hours on a subject for 2 years you will be an expert, authority on that subject.
- Another great saying is ‘Take a millionaire to bed’ meaning his book to read in bed.
- Take a millionaire to lunch and listen to him. But you may not have access to many of them. But many successful persons have written great books that can shape your life for good.
- You are what you read when you are shaped by the good minds behind these good books you read passing good information that shapes your life.
- I have been shaped by many motivational, design, creativity, innovation, sale and many other books.
- Reading books of variety of subjects will develop one’s brain which could prevent many sicknesses coming from brain.
- Take note when reading for future references.
- Keep a note book of actions to be taken as directed by the book.
- Keeping a note book also helps you to write down new ideas springing in your mind. If not you will lose them for life!
- I give below a few titles which are classics and will shape your future.
1. The Power of Positive Thinking
2. Think and Grow Rich: The Landmark Bestseller–Now Revised and Updated for the 21st Century
3. The One Minute Millionaire: The Enlightened Way to Wealth
4. The Millionaire Real Estate Agent: It’s Not About the Money…It’s About Being the Best You Can Be!
